The Platinum Card® from American Express
You may be eligible for as high as 175,000 Membership Rewards® points
after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Rates & Fees
Quick Summary
The Platinum Card by American Express has been a staple in the points/miles world for a very long time. Recently updated to an annual fee of $695, It comes with up $200 airline fee credits, up to $200 annual hotel credits, up to $209 CLEAR® Plus, up to $300 Equinox Credit, monthly digital entertainment credits, lounge access, and a handful of other premium perks.
How to Earn Rewards
5x
Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel®® on up to $500,000 on these purchases per calendar year. 1x thereafter.
5x
5X Membership Rewards® Points on prepaid hotels booked on amextravel.com.
1x
Earn 1x Membership Rewards® Points on all other purchases.
Annual Fee
$895
Terms Apply. | Rates & Fees.
Benefits
Lounge Access
With over 1,550 airport lounges - more than any other credit card company on the market* - enjoy the benefits of the Global Lounge Collection®, over $850 of annual value, with access to Centurion Lounges, 10 complimentary Delta Sky Club® visits when flying on an eligible Delta flight (subject to visit limitations), Priority Pass Select membership (enrollment required), and other select partner lounges. * As of 07/2025.
$200 Airline Fee Credit
$200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees, such as checked bags and in-flight refreshments, are charged by the airline to the Platinum Card® Account*. American Express relies on airlines to submit the correct information on airline transactions to identify incidental fee purchases. If you do not see a credit for a qualifying incidental purchase on your eligible Card after 8 weeks, simply call the number on the back of your Card. Qualifying airlines are subject to change. See terms & conditions for more details.
$155 Walmart+ Credit
$155 Walmart+ Credit: Receive a statement credit* for one monthly Walmart+ membership (subject to auto-renewal) after you pay for Walmart+ each month with the Platinum Card®. *Up to $12.95 plus applicable local sales tax. Plus Ups not eligible
$600 Hotel Credit
$600 Hotel Credit: Get up to $300 in statement credits semi-annually on prepaid Fine Hotels + Resorts® or The Hotel Collection* bookings through American Express Travel® using the Platinum Card®. *The Hotel Collection requires a minimum two-night stay.
$200 Uber Cash + $120 Uber One Credit
$200 Uber Cash + $120 Uber One Credit: With the Platinum Card® you can receive $15 in Uber Cash each month plus a bonus $20 in December when you add your Platinum Card® to your Uber account to use on rides and orders in the U.S when you select an Amex Card for your transaction. Plus, when you use the Platinum Card® to pay for an auto-renewing Uber One membership, you can get up to $120 in statement credits each calendar year. Terms apply.
$209 CLEAR® Plus Credit
$209 CLEAR® Plus Credit: CLEAR® Plus helps get you to your gate faster by using unique facial attributes to verify you are you at 50+ airports nationwide. You can cover the cost of a CLEAR Plus Membership* with up to $209 in statement credits per calendar year after you pay for CLEAR Plus with the Platinum Card®. *Excluding any applicable taxes and fees. Subject to auto-renewal.
$300 Digital Entertainment Credit
$300 Digital Entertainment Credit: Get up to $25 in statement credits each month after you pay for eligible purchases with the Platinum Card® at participating partners. Enrollment required.
Shop Saks with Platinum
Get up to $100 in statement credits annually for purchases at Saks Fifth Avenue or saks.com on the Platinum Card®. That’s up to $50 in statement credits from January through June and up to $50 in statement credits from July through December. No minimum purchase required. Enrollment required.
Resy Credit
$400 Resy Credit + Platinum Nights by Resy: When you use the Platinum Card® to pay at U.S. Resy restaurants and to make other eligible purchases through Resy, you can get up to $100 in statement credits each quarter with the $400 Resy Credit benefit. Plus, with Platinum Nights by Resy, you can get special access to reservations on select nights at participating in demand Resy restaurants with the Platinum Card®. Simply add your eligible Card to your Resy profile to book and discover Platinum Nights reservations near you, enrollment required.
Lululemon Credit
Enjoy up to $75 in statement credits each quarter when you use the Platinum Card® for eligible purchases at U.S. lululemon retail stores (excluding outlets) and lululemon.com. That’s up to $300 in statement credits each calendar year. Enrollment required
Terms Apply
Terms apply
Compared to Other Cards
The Platinum Card® from American Express
Welcome Bonus:
You may be eligible for as high as 175,000 Membership Rewards® points
after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Annual Fee:
$895Terms Apply. | Rates & Fees.
American Express® Gold Card
Welcome Bonus:
You may be eligible for as high as 100,000 Membership Rewards® Points
after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Annual Fee:
$325Terms Apply. | Rates & Fees.
The Business Platinum Card® from American Express
Welcome Bonus:
Elevated Welcome Offer: Earn 200,000 Membership Rewards® points
after you spend $20,000 in eligible purchases on the Business Platinum Card® within the first 3 months of Card Membership.
Annual Fee:
$895Terms Apply. | Rates & Fees.
Our Take
Like the Chase Sapphire Reserve, the Platinum Card from American Express is another example of a high-annual fee card that comes with a ton of great benefits.
Many people can’t get past the hefty fee, but the benefits more than make up for it.
The bonus points can be transferred to 17 airline and 3 hotel partners or redeemed to book travel directly with American Express. You’ll get the most value by transferring to airline partners.
Throw in the up to $200 + $120 Uber One Credit Uber Cash: Platinum Card® Members can ride or dine in style with $15 in Uber Cash each month, plus a bonus $20 in December after adding their Card to their Uber account. Use your Uber Cash on rides and orders in the U.S. when you select an Amex Card for your transaction.
But wait there’s more – you’ll get up to $200 in airline fee credits, up to $600 in hotel credits, up to $300 in digital entertainment credits (enrollment required), up to $300 in Equinox credits (enrollment required), and the up to $209 CLEAR® Credit, and the $895 annual fee quickly is wiped out by the incredible amount of value that you get from the card.
Like the Business Platinum Card® from American Express, you will also receive Marriott Bonvoy® Gold Elite status and Hilton Gold (enrollment required), Priority Pass™ Select and Centurion Lounge access, and you’ll earn 5x points per dollar on hotel and airfare bookings via American Express Travel®. Terms apply and enrollment required for select benefits.
One key difference is that you can also earn 5x points per dollar on airfare when booking directly with an airline.